Credit cards are a popular credit-building option for American consumers. In 2023, about four out of five American adults (82 percent) had a credit card. However, credit cards are not the only option.

A positive credit history and a good credit score are important when applying for a bank loan, credit card, job or insurance coverage. If you have poor credit — or no credit at all — you’ll have fewer ...

A bunch of California credit unions and small banks offer these, especially for folks who are new to credit. The key is making payments on time – they get reported to the credit bureaus and help you ...

Whether you’re unable to access a credit card or you’d prefer not to use one, there are other ways to start building credit. Many or all of the products on this page are from partners who compensate ...

Credit scores are built gradually through sustained, responsible borrowing. Even without a credit card, consistent repayment ...